Reply
Regular Contributor
cableguy123
Posts: 230
Registered: ‎11-05-2011

Re: U.S. Bank Cash+ Visa Signature(r) Card: $50 Cash Bonus via Facebook!!!!

Ron my score is right around 700-720 depending on what source you use.. I know they are inq sensetive told me i would had been approved but i have like 12 and 2 are about to drop off in the next few weeks. Called the UW told me they would submit what i told her for the Visa Signature Card should know in 2-3 days tried calling the automated number but their systems are down right now!

Established Contributor
emptypockets
Posts: 898
Registered: ‎02-03-2009

Re: U.S. Bank Cash+ Visa Signature(r) Card: $50 Cash Bonus via Facebook!!!!

[ Edited ]
I can confirm that they do not always pull EX. They pulled TU for me ( I am in Michigan). This is great, because I only have one INQ on TU. i saw somewhere that they may pull EQ or TU on the east coast. My status page says something about needing some sort of verification ( sorry I didn't write down what it said word for word). But where Ron's screen says under review, mine says awaiting verification. I think it may have to do with me listing rental property income on the app.
CC's: AMEX Delta/BCP/HH, Alliant Visa, PenFed AMEX, Nordstrom Sig Visa, Lowe's, BBRZ Plat, US Bank Cash+ Visa, Chase CSP/Freedom/Marriott/SWA Prem, Huntington Voice, UMB Visa, Dillard's AMEX, Barclay's NFL Visa, Home Depot, Citi Diamond Pref./Dividend/AA Platinum, Discover IT, Walmart Discover, Cabela's Visa, Cap One Quick Silver, BOA BB Rewards MC, BMW Visa Siggy, Comenity FRN MC/TR Visa, Ebates Visa Siggy, 5/3 Real Life Rewards, Jared, Kohl's, Macy's, Macy's AMEX.

Current Scores: EQ (3/28/14): 798; TU MyFico (3/7/14):781; Walmart TU Fico 08 (4/4/2014): 814; EX (3/7/14): 773
Senior Contributor
Ron1
Posts: 4,483
Registered: ‎05-23-2009

Re: U.S. Bank Cash+ Visa Signature(r) Card: $50 Cash Bonus via Facebook!!!!


cableguy123 wrote:

Ron my score is right around 700-720 depending on what source you use.. I know they are inq sensetive told me i would had been approved but i have like 12 and 2 are about to drop off in the next few weeks. Called the UW told me they would submit what i told her for the Visa Signature Card should know in 2-3 days tried calling the automated number but their systems are down right now!



I don't know what my score is.  I have perfect credit history (no late, past due, charge-off) The score was around 740-750 whe I applied for Firsttech.

 

 

Ron.

Senior Contributor
Ron1
Posts: 4,483
Registered: ‎05-23-2009

Re: U.S. Bank Cash+ Visa Signature(r) Card: $50 Cash Bonus via Facebook!!!!


emptypockets wrote:
I can confirm that they do not always pull EX. They pulled TU for me ( I am in Michigan). This is great, because I only have one INQ on TU. i saw somewhere that they may pull EQ or TU on the east coast. My status page says something about needing some sort of verification ( sorry I didn't write down what it said word for word). But where Ron's screen says under review, mine says awaiting verification. I think it may have to do with me listing rental property income on the app.

Good Luck!!!!

 

 

Ron.

Valued Contributor
android01
Posts: 1,186
Registered: ‎09-22-2009

Re: U.S. Bank Cash+ Visa Signature(r) Card: $50 Cash Bonus via Facebook!!!!


emptypockets wrote:
I can confirm that they do not always pull EX. They pulled TU for me ( I am in Michigan). This is great, because I only have one INQ on TU. i saw somewhere that they may pull EQ or TU on the east coast. My status page says something about needing some sort of verification ( sorry I didn't write down what it said word for word). But where Ron's screen says under review, mine says awaiting verification. I think it may have to do with me listing rental property income on the app.

I can confirm that they've NEVER pulled EX for me.  Initial apps years ago were ALL EQ (I'm in Minnesota).  When asking for a CLI they hard pulled TU, which they also soft for account review periodically along with EQ.  Their EX pulling seems to be more on the West Coast.  

EQ FICO - Beacon 5.0 - 806 - 3/29/14
TU FICO - TU98 - 802 -3/29/14
TU FICO - TU08 - 850 - 4/4/14
EX FICO - Fair Isaac v2 - 811 - 4/14/14
EX FICO - EX08 - 850 - 3/29/14
Moderator
Revelate
Posts: 6,798
Registered: ‎12-30-2011

Re: U.S. Bank Cash+ Visa Signature(r) Card: $50 Cash Bonus via Facebook!!!!


android01 wrote:

emptypockets wrote:
I can confirm that they do not always pull EX. They pulled TU for me ( I am in Michigan). This is great, because I only have one INQ on TU. i saw somewhere that they may pull EQ or TU on the east coast. My status page says something about needing some sort of verification ( sorry I didn't write down what it said word for word). But where Ron's screen says under review, mine says awaiting verification. I think it may have to do with me listing rental property income on the app.

I can confirm that they've NEVER pulled EX for me.  Initial apps years ago were ALL EQ (I'm in Minnesota).  When asking for a CLI they hard pulled TU, which they also soft for account review periodically along with EQ.  Their EX pulling seems to be more on the West Coast.  


Yeah, typical national lender profile from what I saw in the credit pulls database... though oddly there wasn't a huge statistical sampling compared to many other lenders.  I know from this forum certainly others are more prolific, but is USBank in general on the smaller size of credit card issuers?


Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 672, Wally TU 686, EX 702 (04/14)
Goal Score: 700 in all three (01/01/15)


Take the myFICO Fitness Challenge
Established Contributor
emptypockets
Posts: 898
Registered: ‎02-03-2009

Re: U.S. Bank Cash+ Visa Signature(r) Card: $50 Cash Bonus via Facebook!!!!


Ron1 wrote:

emptypockets wrote:
I can confirm that they do not always pull EX. They pulled TU for me ( I am in Michigan). This is great, because I only have one INQ on TU. i saw somewhere that they may pull EQ or TU on the east coast. My status page says something about needing some sort of verification ( sorry I didn't write down what it said word for word). But where Ron's screen says under review, mine says awaiting verification. I think it may have to do with me listing rental property income on the app.

Good Luck!!!!

 

 

Ron.


Thanks!! You too!

CC's: AMEX Delta/BCP/HH, Alliant Visa, PenFed AMEX, Nordstrom Sig Visa, Lowe's, BBRZ Plat, US Bank Cash+ Visa, Chase CSP/Freedom/Marriott/SWA Prem, Huntington Voice, UMB Visa, Dillard's AMEX, Barclay's NFL Visa, Home Depot, Citi Diamond Pref./Dividend/AA Platinum, Discover IT, Walmart Discover, Cabela's Visa, Cap One Quick Silver, BOA BB Rewards MC, BMW Visa Siggy, Comenity FRN MC/TR Visa, Ebates Visa Siggy, 5/3 Real Life Rewards, Jared, Kohl's, Macy's, Macy's AMEX.

Current Scores: EQ (3/28/14): 798; TU MyFico (3/7/14):781; Walmart TU Fico 08 (4/4/2014): 814; EX (3/7/14): 773
Senior Contributor
Ron1
Posts: 4,483
Registered: ‎05-23-2009

Re: U.S. Bank Cash+ Visa Signature(r) Card: $50 Cash Bonus via Facebook!!!!

By the way, my credit utilization is about 1%.

 

 

Ron.

Valued Contributor
android01
Posts: 1,186
Registered: ‎09-22-2009

Re: U.S. Bank Cash+ Visa Signature(r) Card: $50 Cash Bonus via Facebook!!!!

Well, I just called to see if I could PC to the new Cash+ card, and I did.  It was completely seemless with no questions asked.  It will have a new account number, but there will be no new account.  All history remains the same when reporting to the CRA's.  i should have asked for a higher CL, but I know that would have resulted in a hard pull.  :smileyhappy: 

EQ FICO - Beacon 5.0 - 806 - 3/29/14
TU FICO - TU98 - 802 -3/29/14
TU FICO - TU08 - 850 - 4/4/14
EX FICO - Fair Isaac v2 - 811 - 4/14/14
EX FICO - EX08 - 850 - 3/29/14
Valued Contributor
android01
Posts: 1,186
Registered: ‎09-22-2009

Re: U.S. Bank Cash+ Visa Signature(r) Card: $50 Cash Bonus via Facebook!!!!


Revelate wrote:

android01 wrote:

emptypockets wrote:
I can confirm that they do not always pull EX. They pulled TU for me ( I am in Michigan). This is great, because I only have one INQ on TU. i saw somewhere that they may pull EQ or TU on the east coast. My status page says something about needing some sort of verification ( sorry I didn't write down what it said word for word). But where Ron's screen says under review, mine says awaiting verification. I think it may have to do with me listing rental property income on the app.

I can confirm that they've NEVER pulled EX for me.  Initial apps years ago were ALL EQ (I'm in Minnesota).  When asking for a CLI they hard pulled TU, which they also soft for account review periodically along with EQ.  Their EX pulling seems to be more on the West Coast.  


Yeah, typical national lender profile from what I saw in the credit pulls database... though oddly there wasn't a huge statistical sampling compared to many other lenders.  I know from this forum certainly others are more prolific, but is USBank in general on the smaller size of credit card issuers?


They are certainly smaller than a Chase or Citi, but they aren't small by any means.  They've been gradually but steadily adding to their credit card business over time.  They are a VERY well managed bank that didn't get caught up in the meltdown a few years back.  From my understanding, this new card is the first that anyone can apply for in all 50 states, not just where US Banks are located.  

EQ FICO - Beacon 5.0 - 806 - 3/29/14
TU FICO - TU98 - 802 -3/29/14
TU FICO - TU08 - 850 - 4/4/14
EX FICO - Fair Isaac v2 - 811 - 4/14/14
EX FICO - EX08 - 850 - 3/29/14

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+